Chapter 144 Loans
"I... I don't have that much cash right now..." Yu Ling's voice was dry and hoarse, with a barely perceptible tremor and humble pleading, "Can you... be flexible... pay the deposit first, and I'll pay the rest..."
"No money?!" The landlord's voice suddenly rose, filled with undisguised contempt and anger. "Why are you renting a house if you don't have money?! Are you kidding me?! If you're broke, don't try to rent a house like others! Get lost!"
“Beep…beep…beep…”
The phone was hung up rudely!
The cold busy tone was like the final death knell, echoing wildly in Yu Ling's ears!
Poor guy...
roll…
Those two words burned into Yu Ling's heart like a red-hot iron! More direct, more naked, and more cruel than Gu Qianqian's vicious taunts!
She held onto the phone, which only had a busy tone, and her body began to tremble uncontrollably! A torrent of immense humiliation, anger, and hopelessness, raging through her, nearly tore her apart!
Just then—
"Ding Dong."
The phone screen lit up and a new text message popped up.
From a completely unfamiliar number.
Yu Ling opened the text message tremblingly, like a drowning person grasping at the last straw.
The text message was extremely brief and unsigned:
"It has been detected that you have a short-term cash flow need."
"'Sugar Frosting Loan', a subsidiary of the 'Jianbing Man Foundation', can help you solve your problems."
“0 collateral, 0 guarantee, lightning-fast loan.”
"(Friendly reminder: The president's wife enjoys a 0% interest rate exclusively)"
The Pancake Man Foundation?!
Frosting loan?!
Exclusive 0% interest rate for the President's wife?!
A huge sense of absurdity, like a high-voltage current, instantly shot through Yu Ling's body! She looked at the text message, the website address that oozes wicked humor, and then at the glaring "3.87" on her mobile banking app...
Zhao Chen!
You again?!
You're running to the Caribbean to avoid debt, and yet you still use this method to monitor and humiliate me?!
An uncontrollable rage rushed to her head! She almost threw her phone to the ground!
However--
His finger hovered above the screen, just millimeters away from the wicked link.
The stomach cramps were clearly felt.
The landlord’s words “Get lost, poor bastard” are still echoing in my ears.
Before her was the bustling city of Haicheng with its glittering neon lights, but there was no place for her to stand.
Survive.
Dignity is so fragile in the face of survival that it can't withstand a single blow.
Yu Ling's fingertips trembled violently, and finally, with an almost self-destructive determination, she fiercely clicked on the link!
Page jump.
A page with an extremely simple, almost childish, design appeared. The background was a warm yellow, covered in cartoon fried eggs and a grinning Shiba Inu logo. In the center of the page, a single, eye-catching input box read: "Please enter the amount of 'Icing' you require (in Yuan)."
The following line of small print reads: "Exclusive channel for the President's wife, annualized interest rate: 0.00%."
Yu Ling bit her lower lip so hard it almost drew blood! Her fingers trembled as she typed four numbers into the input box, forcefully, as if carving out a mark of shame:
"3600"
Click Confirm.
The page refreshes instantly!
An extremely simple electronic contract popped up.
Contract Title: "Sugar Frosting Loan - Exclusive Loan Agreement for the President's Wife"
Borrower: Yu Ling (automatic identification information)
Lender: Pancake Man Foundation
Loan amount: 3600.00 yuan
Borrowing interest rate: 0.00% (annualized)
Loan purpose: rental deposit and rent (system automatically identifies needs)
Repayment method: Installment (the system defaults to 12 installments, with each installment repayment of 300 yuan)
Special terms: No mortgage, no guarantee, and exclusive credit overdraft limit for the president’s wife.
At the bottom of the contract, where the borrower signs, her electronic signature has been automatically generated.
In the most inconspicuous corner of the contract, a line of gray font so small that it almost requires a magnifying glass to read lies quietly:
"The creditor reserves the final right of interpretation and recovery regarding the 'sugar frosting' (specifically the sugar-filled omelette)."
Yu Ling's eyes swept over the line of small words, and her heart felt like it was pricked by a needle. But at this moment, she no longer had the energy to be angry.
She closed her eyes, took a deep breath, and as if she had used up all her life's strength, she clicked the "Confirm Signature" button on the screen!
"bite!"
Almost at the same time!
The push notification sound of the mobile banking APP sounded!
"Your savings account received a transfer of RMB 3,600.00 at XX:XX:XX. Summary: Pancake Man Foundation - Sugar Frosting Loan."
The cold numbers, bearing the mark of humiliation, lay in her account.
Yu Ling exited the webpage expressionlessly, reopened the rental app, found the phone number of the landlord, and called back.
"Hello! Who is this?!" The landlord's impatient voice sounded again.
"900 second bedroom, I'll rent it. Cash. Tonight." Yu Ling's voice was cold and dry, without any ups and downs, as if she were reading a verdict. "Send me the address. I'll see you in an hour."
In the east of the city, there is an old residential area forgotten by time.
Yu Ling, dragging her suitcase, followed the address the landlord had sent her. After many twists and turns, she finally stopped at the base of a six-story building with peeling walls and the smell of stale oil smoke and damp. The hallway was cluttered with debris, and tiny mosquitoes fluttered in the dim light.
The landlord was a short, fat, greasy middle-aged man. He was smoking a cigarette and squinting his eyes as he looked up and down at Yu Ling and her suitcase that looked out of place in the environment. There was an undisguised scrutiny and a hint of vulgarity in his eyes.
"Where's the money?" He held out his hand, palm facing up.
Yu Ling took out thirty-six hundred-dollar bills from her bag, which still smelled of ink and had just been withdrawn from the ATM. Without counting them, she slapped them directly into his greasy palm.
The landlord weighed the money, grinned, revealing his smoke-stained teeth, and casually tossed a bunch of rusty keys to Yu Ling:
"Third floor, on the left. The shared bathroom is at the end of the hallway. The kitchen is not accessible! Don't make any noise after 10 p.m.! Deposit slip?"
He seemed to have just remembered something, and took out a small, equally greasy piece of paper from his wrinkled trouser pocket, scribbled a few words on it, and stuffed it into Yu Ling's hand.
Yu Ling took the key and the so-called "deposit slip" and stuffed them into her pocket without even glancing at them. She dragged her heavy suitcase up the narrow, steep, cluttered concrete stairs, step by step. With each floor she climbed, the light grew dimmer, and the musty smell of the air grew stronger.
Finally, I stood in front of the door on the left side of the third floor. I inserted the key into the rusty lock and turned it laboriously, making a grinding sound that made my teeth ache.
The door opened.
A mixture of dust, mold, cheap perfume, and some indescribable sour smell hit her face! The room was smaller and more depressing than she had imagined.
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